GIC interest rates

Featured GIC rates

Personal Redeemable GIC

3.00%1

On a 24-month term
(annual rate)

 

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Non-Redeemable GIC

3.60%1

On a 1-year term
(annual rate)

 

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Non-Redeemable GIC

3.55%1

On a 2-year term
(annual rate)

 

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Non-redeemable GICs

When you buy a non-redeemable GIC you agree to invest your money for a set length of time (term) at a fixed interest rate.

Once your term is up, you can either cash out your GIC and get your initial investment plus interest, or you can renew your term and keep your investment going.

All non-redeemable GICs are available as part of a registered or non-registered investment plan, and can be automatically renewed on maturity.

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Cashable GICs

Get a guaranteed rate and the flexibility to cash out.

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Market linked GICs

Leverage the power of the stock market while keeping your investments safe.

All Market Linked GICs are eligible for non-registered, RESP, RRSP, RRIF, RDSP, and FHSA plans.

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Ready to invest in a GIC?

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I'm an existing Scotia customer with an investment plan

Buying a GIC online is quick, simple, and safe.

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I’m a Scotia customer but I don’t have an investment plan yet

You'll need a registered plan or a non-registered plan to buy your GIC.  Open a registered plan online in minutes.

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New customer?

Use our online tool to schedule an appointment to find the right GIC for your needs.

 

Advice+ articles

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GICs and mutual funds 101: What you need to know as an investor

 

Thinking about investing in GICs and mutual funds? Here's what you need to know about these different options.

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How to choose between a GIC and a High Interest Savings Account

 

Wondering if you should put your money in a guaranteed investment certificate (GIC) or a High-Interest Savings Account (HISA)? Here is what you need to know.

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Understanding GICs

 

A GIC minimizes your investment risk, while helping you build wealth for the future.

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Learn how to get started with investing with our step-by-step guide from Advice+